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With so many credit card processing companies available to pick from, it can be a daunting task to find the one that is the perfect fit for your business. You want to make sure you find one that will have all the features and services you are looking for. Additionally, you want to make sure you pick a company that is solid and reputable.
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After the EMV liability shift, which made businesses more liable for fraud on certain types of in-person credit cards charges, a lot of changes were required from businesses to help keep consumers safer. Earlier this year, we covered some of those key takeaways from the shift and what it could mean for you. Who's responsible for fraudulent losses is at the center of this issue. If a merchant has an EMV terminal and a customer pays with a traditional swipe-and-sign credit card, the bank that issued the card is liable. On the other hand, a merchant is liable if they have a legacy terminal and a customer pays with a chip card by swiping. As we enter this new year, let's look at where EMV technology stands today, along with what the rest of 2017 is likely to have in store for this form of credit card processing. The Reach of EMV in the U.S. Although EMV (Europay, MasterCard and Visa) was a very popular topic during 2015 and continues to be the center of many discussions within the credit card processing… Read more

Over the last year, we've reviewed processors like Gravity Payments, which offer excellent mobile processing options. As this type of technology continues to develop, the number of potential uses continues to expand, as well. One industry benefiting from mobile payment processing? Restaurants, food service, and other industries where employees rely on tips as part of their salary. Here, mobile payment processing has greatly advanced the ease with which payments happen - helping not only individual workers thrive, but helping entire businesses succeed. Keep in mind: though it may not seem like tips directly impact the bottom line of certain businesses, like restaurants, happy servers translate into happy customers. That simple fact is why it makes sense for business owners to take advantage of any strategy that may help maximize tips. How Mobile Payments Can Improve Tips It's no secret that people are less stingy with their money when they're paying with anything other than cash. Whether that's chips at a casino or credit cards at a restaurant, eliminating cash from a transaction means people are less likely to scrutinize the final amount they're billed. The magic… Read more

People who don’t have direct experience with ecommerce assume that once someone put's an item in their shopping cart, everything will be smooth sailing from there. Sadly, that's not how things work. Close to 70 percent of online shopping carts get abandoned. There’s still a lot that needs to go right for someone with an item in their shopping cart to become a customer. Of the people who abandon shopping carts, a notable percentage do so as a result of various user experience issues. Don't lose out on that revenue! UX design issues can cause terrible headaches for you and your business; here's how you can quickly boost conversions and increase average order value. 1. Show the Highest Prices First If you look at research that’s been done on pricing psychology, you'll quickly see the positive effects of anchoring. This term refers to a cognitive bias that leads consumers being heavily influenced by the first piece of information they see. A great way to utilize anchoring on an ecommerce site is to show products in descending price order. Not only will this make lower-priced products… Read more

In the past, the majority of all credit card payments were processed at brick-and-mortar locations. You'd hand an employee your credit card, they'd swipe it through a terminal, and then you'd sign the receipt. This still happens, but now, online sales are quickly becoming the norm, with more sales happening online now than ever before. As people get used to online purchasing, retailers across countless verticals need reliable payment gateways in order to keep up with demand. While both point-of-sale terminals and payment gateways are still used by businesses of all sizes, mobile devices have significantly impacted how people pay over the last few years. Not only do more consumers want to use their mobile devices to actually pay for goods and services, but businesses are also using these devices to process card payments, creating an entirely new industry of quick mobile payment processing. What You Need to Know About Using a Virtual Terminal Businesses that fit into either of these categories, along with other organizations like nonprofits and government agencies, may be best served by a virtual terminal, or an… Read more

Big news this month from Visa! They recently announced that any businesses that process fewer than one million Visa transactions in person or 20,000 ecommerce transactions in both the United States and Canada are now considered Level 4 Merchants. It's estimated that 90 percent of businesses who accept credit cards fall into this category. At the core of this announcement is security - Visa's trying to reduce the number of small merchant breaches that occur. (In What Businesses Can Learn From CiCi’s and Wendy’s Data Breaches, we highlighted important security lessons for businesses of all sizes. so be sure to brush up on those lessons if you have any security concerns.) The big take away? Visa is requiring merchants who use third parties for point of sale to engage Payment Card Industry (PCI) Qualified Integrator Reseller (QIR) professionals. What You Need to Know About QIRs Any Level 4 Merchant that uses a POS provider to install their system or provide remote tech support must choose a company that's designated as a Qualified Integrator Reseller. The QIR qualification comes directly from the PCI Security Standards Council.… Read more